LIC Housing Finance 7.74% Feb 2028 NCD (INE115A07QW5)

CRISIL AAA Secured NCD

LIC Housing Finance Limited

Secured, Rated, Taxable, Redeemable NCD

Browse: AAA rated bonds · bonds maturing in 2028

85 more bonds from LIC Housing Finance Limited →

Current YTM

8.35%

Market YTM

Coupon Rate

7.74%

Per annum

Maturity Date

11 Feb 2028

1.3 Yrs to Maturity

Interest Payment

Annual

Frequency

Face Value

₹1,00,000

Per Bond

Market Position

YTM (Annual)

8.35%

Last traded 3 Nov 2026 (end of day)

10Y G-Sec Benchmark

7.19%

Reference point, not this bond's tenor

Spread over G-Sec

+142 bps

vs 1.3Y G-Sec at 6.92%

Below the median spread for similar-tenor peers

Tenure

1.3 Years

Remaining to maturity

Price vs Yield

— Price (Clean) — Yield (YTM)

9 Jul 20263 Nov 2026

Showing last 10 trades.

Price data as a table: Recent Market Prices

Cashflow Timeline

29 Aug 2027

Interest Payment

₹7,740.00 / Bond

₹6,966.00 net of 10% TDS (est.)

11 Feb 2028

Final coupon (part period) + principal

₹1,03,510.49 / Bond

₹3,510.49 coupon + ₹1,00,000 face value

2 coupons remaining, the last paid with principal at maturity · per ₹1,00,000 face value · projected dates

Net amounts are estimates: 10% TDS applies to a resident with PAN once interest from one issuer reaches ₹10,000 in a financial year. Below that, or with Form 15G/15H, no TDS is deducted. Not tax advice.

Bond Timeline

— Issue / Maturity | Coupon (projected) ┊ Today

Key Metrics

Coupon Rate

7.74%

YTM (Annual)

8.35%

Credit Rating

AAA

(CRISIL) · seen 28 Jun 2026

Remaining Tenure

1.3 Years

Advanced metrics

Modified Duration

1.09 Yrs

Macaulay Duration

1.19 Yrs

Issue Size

₹3,213 Cr

Face Value

₹1,00,000

Per bond. Exchange lot size not on file; check the offer document.

Market Characteristics

Modified Duration

1.09 Yrs

Price sensitivity per 1% yield move

Payment Frequency

Annual

Last Trade

3 Nov 2026

NSE OTC (WAP)

Trades (30 Days)

Exchange-reported sessions

Security Status

Secured

No call option

Observations

This bond is secured.
2 secondary-market trades recorded in the last 30 days.
Coupon is 2.46 percentage points below the median for tracked NCD bonds. (based on 20,403 tracked NCD bonds with a stated coupon)

Structured Overview

Data as of 16 Jul 2026

Issuer

LIC Housing Finance Limited

Instrument Type

NCD

Issue Date

29 Aug 2024

Day Count Convention

ACT/ACT

Listed Exchange

—

Call / Put Option

None disclosed

Issued by LIC Housing Finance Limited, LIC Housing Finance 7.74% Feb 2028 NCD is a secured, rated NCD. It pays a 7.74% p.a. coupon, annually. Principal is repaid at maturity.

Rating Timeline

2 ratings on file

Every rating we hold for this ISIN, from every agency and source, newest first. NSE listing dates are the day we first saw the rating there, not the agency’s date.

Date	Agency	Rating	Outlook	Status	Source
seen on 28 Jun 2026	CRISIL	AAA	—	Latest	NSE listing
2024	CARE	AAA	—	NSDL record, 2024	NSDL debt master

Rating Action History

2 actions

Agency actions on LIC Housing Finance Limited and its instruments, not only this bond. Rows marked “This bond” carry this ISIN or an exchange filing that names it.

Date	Agency	Action	Rating	Outlook	Rationale
2026-09-30	CRISIL	Update	—	—	View →
2026-06-30	CRISIL	Update	—	—	View →

Issuer health card · ratings, payment record, defaults, trading, filings 1 item to look at →

Rating Actions on LIC Housing Finance Limited

last 12 months

Agencies rate the issuer and its instruments together; an action may cover bank loans or other instruments rather than this bond. This bond marks actions that carry this ISIN or whose exchange filing names it.

Date	Agency	Action	Rating	Rationale
2026-09-30	CRISIL	Update	—	View →
2026-06-30	CRISIL	Update	—	View →

Alert me about LIC Housing Finance Limited An email when a rating agency acts on this issuer (including any cut to default grade D) or a payment is disclosed late or short. Free, no account needed.

Recent Market Prices

Recent BSE trades for INE115A07QW5: trade date, clean price, YTM and number of trades
Trade Date	Clean Price	YTM (%)	Trades
2026-11-03	99.2516	8.3450	—
2026-10-21	99.3619	8.2200	—
2026-08-18	100.2417	7.5100	—
2026-07-16	100.2034	7.5500	—
2026-07-15	100.1461	7.5900	—
2026-07-14	100.1679	7.5757	—
2026-07-09	100.2373	7.5300	—

Data Coverage

Dataset	Records	Detail	Freshness
Credit Ratings	2	CARE, CRISIL	2026-06-28
Rating Actions History	2	—	2026-09-30
Secondary-Market Trades	7	NSE OTC (WAP)	2026-11-03
Reg52(4) Payment Disclosures	0	—	—

Documents

Entity metadata

Source: NSDL debt master
Last Updated: 16 Jul 2026

Risk warning: This page is for informational purposes only. Bond investments carry credit risk, interest rate risk, and liquidity risk. Credit ratings reflect agency opinion at a point in time. Nothing here constitutes investment advice or a recommendation. Verify all details against the issuer's offer document and the exchange. RetailBonds.in is not a SEBI-registered intermediary. See our full disclaimer.

₹99,251.60

YTM8.35%

Trade Date 3 Nov 2026 5d ago

SourceNSE OTC (WAP)

Accrued interest (est.)₹5,746.68

Dirty price (est.)₹1,04,998.28

View on BSE → Calculate YTM for this bond

Frequently Asked Questions

What is the coupon rate on LIC Housing Finance 7.74% Feb 2028 NCD?

LIC Housing Finance 7.74% Feb 2028 NCD carries a coupon of 7.74%, paid annual, on a face value of ₹1,00,000.

When does LIC Housing Finance 7.74% Feb 2028 NCD mature?

LIC Housing Finance 7.74% Feb 2028 NCD matures on 11 Feb 2028, 1.3 years from today.

What is LIC Housing Finance 7.74% Feb 2028 NCD rated?

LIC Housing Finance 7.74% Feb 2028 NCD is rated AAA by CRISIL (rating dated 28 Jun 2026).

Is LIC Housing Finance 7.74% Feb 2028 NCD secured?

LIC Housing Finance 7.74% Feb 2028 NCD is a secured bond.

What yield does LIC Housing Finance 7.74% Feb 2028 NCD currently offer?

The last recorded trade on 3 Nov 2026 priced LIC Housing Finance 7.74% Feb 2028 NCD at ₹99,251.60 per bond, implying a yield to maturity of 8.35%.

More Bonds from This Issuer

LIC Housing Finance 6.40% Nov 2026 NCD

INE115A07PN6

AAA NSDL record, 2021

Coupon

6.40%

Maturity

30 Nov 2026

View Details

LIC Housing Finance 7.69% Dec 2026 NCD

INE115A07RA9

AAA NSDL record, 2024

Coupon

7.69%

Maturity

11 Dec 2026

View Details

LIC Housing Finance 7.16% Dec 2026 NCD

INE115A07KY4

AAA NSDL record, 2016

Coupon

7.16%

Maturity

16 Dec 2026

View Details

LIC Housing Finance 6.65% Feb 2027 NCD

INE115A07PR7

AAA NSDL record, 2022

Coupon

6.65%

Maturity

15 Feb 2027

View Details

Compare (/) Compare Bonds

Comparable NCDs maturing near 2028

Active bonds from other issuers with maturity within 12 months of this one, listed first when they are in the same face-value band as this bond and traded in the last 30 days, then by closest coupon to 7.74%. For comparison only, not a recommendation.

Bond	Issuer	Rating	Coupon	Maturity
INE134E08JI0	Power Finance Corporation Limited	AAA	7.74%	2028-01-29
INE916DA7SX8	Kotak Mahindra Prime Limited	AAA	7.75%	2027-11-19
INE134E08IX1	Power Finance Corporation Limited	AAA	7.75%	2027-03-22
INE556F08KN9	Small Industries Development Bank of India	AAA NSDL record, 2023	7.75%	2027-06-10
INE403D08314	Bharti Telecom Limited	AAA NSDL record, 2026	7.75%	2028-02-29
INE660A07RN7	Sundaram Finance Limited	AAA NSDL record, 2023	7.75%	2028-08-08

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